Frequently Asked Questions

1.  Who is eligible for reimbursement of up to 50% of the premium cost?

The federal law signed in 1998, states that all managers, supervisors and law enforcement officers are eligible for reimbursement.  However, some agencies have extended the eligibility to other employees.  Please check with your Human Resources personnel for eligibility and the specific instructions required for the Reimbursement Receipt.

2.  What is a Reimbursement Receipt?

A Reimbursement Receipt is a document generated either by request or through on-line access to your CareerGuard account that provides the information required to obtain reimbursement of premium payment from your agency.  You must complete form SF 1164 along with your Reimbursement Receipt and submit to your agency.

3.  What do I do if I am named in a suit or disciplinary proceeding?

If you are named in a lawsuit or administrative proceeding, contact us immediately via fax: 703-642-3834 or e-mail:  either mbc@massbenefits.com or jmiller@career-guard.com.  You should include your contact information and any deadlines you have for responding.  The insurance company will provide the attorney.  You may suggest an attorney, but you must pay for any attorney you hire on your own.

4.  Does CareerGuard provide coverage for HR 218 situations involving use of a firearm by an off duty law enforcement officer in self-defense or in the defense of another person?

Yes, coverage is provided and there is no additional premium cost for this coverage.

5.  Does CareerGuard provide coverage for federal employees stationed outside the continental United States?

Yes, any federal employee is eligible for coverage anywhere in the world and there is no additional premium cost for this coverage as long they are performing in the scope of their employment and for the benefit of the United States government.

6.  Are Federal managers who may come under investigation for EEOC violations covered?

Yes, and there is no additional premium cost for this coverage as long as they are performing in the scope of their employment and for the benefit of the United States government.

7.  Will I be covered for actions that occurred prior to my enrollment date?

Protection is provided from lawsuits resulting from acts that occurred prior to the effective date of coverage provided you had no knowledge of such acts and they occurred after the Retroactive date.  This policy allows you to maintain your Retroactive date if you had coverage with another carrier.  The Retroactive date is the verifiable  date for which your continuous, uninterrupted claims-made professional liability coverage commenced.

8.  Am I covered for criminal charges?

Yes, as long you are performing in the scope of your employment and for the benefit of the United States government. The coverage begins the moment the insured learns that he or she is under investigation, is arrested, or is indicted.  DOJ never defends an employee in a criminal case because they are usually the prosecutor.

9.  Am I covered for actions brought against me that effect my Security Clearance level?

Yes, you are covered for Security Clearance Proceedings brought against you while performing in the scope of your job.

10.  I am being deployed.  What do I need to do?

There is no coverage for Active Duty Military.  If you are deployed, it is best to continue your insurance during your tour of duty. If you cancel the insurance, it can jeopardize the extended reporting period due to prior knowledge.

11.  I feel I am being discriminated against and want to file a grievance or complaint.

CareerGuard is only for lawsuits, criminal charges, or administrative/disciplinary actions brought against an insured when acting within the course and scope of his/her employment.

12.  Can seasonal employees purchase CareerGuard?

Yes, seasonal employees such as USDA Firefighters can purchase insurance for the period time they expect to be working.

13.  If I leave the federal government employment, can I get a refund of premium paid?

Yes, we issue refunds based on a full month’s premium.  If you leave at the end of the month, we refund beginning the first of the next month.  You qualify for the 36-month discovery period with no additional premium due.

14.  If I retire, can I get a refund of premium paid?

Yes, we issue refunds based on a full month’s premium.   Retirees should notify us of their retirement date so they qualify for the 36-month discovery period with no additional premium due.

15.  Am I covered as a Canine Handler?

Yes, if a law enforcement officer who works with a canine, in the line of duty, is sued for something the canine does, the policy will cover him.

 

 

Terms and Conditions:

Thank you for submitting your enrollment information. You will now be taken to a secure site to process your credit card payment. The total charge will include a 4% convenience fee for the credit card payment. Once your payment is processed, a Welcome Packet will be mailed to you in 3-5 business days. Thank you for joining CareerGuard.

By clicking "Accept" below, I agree to the Terms & Conditions of the policy.

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